Critical Care
Individual Personal Accident
THE ASSURANCE OF LUMP SUM CASH PAID DIRECTLY TO YOU
Most individuals are not prepared to endure the economic impact of a critical illness. A life – threatening illness not only affect one’s health but disrupts one’s entire lifestyle as well. Now, Critical Care Cover helps protect you with lump sum cash, and the funds can be used for medical and everyday expenses during recovery.
Enjoy The Flexibility of Choosing Your Preferred Healthcare Provider
This plan pays you a First Diagnosis Payment of up to RM150,000 cash. You can use the funds to choose the best medical treatment and care, and provide financial stability for your family at the same time.
Privileged Access To Medical Advice From World-Class Doctor With Tele-Medicine Access
*Please refer to the table for detail.
YOUR QUESTIONS ANSWERED
1. Do I need to undergo medical examination?
No.
2. What is the meaning of pre-existing condition?
Sickness, injury or disease that exists before a policy is issued by the insurer.
3. Is there any waiting period before the insurance cover begins?
Yes, there is a 90 – day waiting period.
4. Will the premium remain constants when my age increases?
No. When you, the insured person, move from one age group to the next, the premium rate will increase or decrease accordingly.
5. What are the likely implications of switching policy from one insurer to another, or transferring from one insurance plan to another?
The pre-existing conditions and waiting period of policy will have to start afresh.
ATAS JAMINAN DARI KAS Lump SUM DIBAYAR LANGSUNG UNTUK ANDA
Kebanyakan individu tidak bersedia untuk menanggung kesan ekonomi suatu penyakit kritis. Kehidupan - penyakit yang mengancam tidak hanya mempengaruhi kesihatan seseorang tapi mengganggu semua gaya hidup seseorang juga. Sekarang, Kesilapan Care Cover membantu melindungi anda dengan wang tunai lump sum, dan dana boleh digunakan untuk kos perubatan dan sehari-hari selama pemulihan.
Nikmati Fleksibiliti Memilih Pembekal Kesihatan yang dipilih anda
Rencana ini membayar anda Diagnosis Pembayaran Pertama hingga RM150, 000 wang tunai. Anda boleh menggunakan dana untuk memilih rawatan yang terbaik perubatan dan penjagaan, dan memberikan kestabilan kewangan untuk keluarga anda pada masa yang sama.
Keistimewaan masuk ke Untuk advis Perubatan Dari Doktor Kelas Dunia-Tele-Medicine Dengan masuk ke
* Sila lihat jadual untuk detail.
MENJAWAB SOALAN ANDA
1. Adakah saya perlu menjalani pemeriksaan perubatan?
Tidak.
2. Apa arti dari keadaan yang sudah ada?
Penyakit, kecederaan atau penyakit yang ada sebelum dasar dikeluarkan oleh insurans.
3. Apakah ada masa tunggu sebelum insurans bermula?
Ya, ada 90 - hari masa tunggu.
4. Premi akan tetap konstan ketika saya bertambah usia?
Tidak, Apabila anda, orang yang diasuransikan, berpindah dari satu kumpulan umur ke depan, tahap premi akan bertambah atau berkurang.
5. Apa implikasi dasar kemungkinan beralih dari satu syarikat insurans lain, atau memindahkan dari satu rancangan insurans yang lain?
Keadaan yang sudah ada sebelumnya dan masa tunggu dasar harus mulai dari awal.
*Please click the table to see the detail.TELE-MEDICINE ACCESS (SECOND OPINION & CASE MANAGEMENT)
Enjoy Privileged Access To Medical Advice From World-Class Doctor
Critical Care Cover gives you access to a Second Opinion from the world’s top specialist. Upon diagnosis of a serious medical condition*, our partner, WorldCare Health Malaysia will facilitate the electronic transmission of the patient’s case information to a medical expert from the following establishment:
- The Cleveland Clinic Foundation
- Duke University Health System
- Partners HealthCAre System comprising
- Brigham & Women’s hospital**
**Teaching Hospital of Harvard Medical School / Hospital Latihan Harvard Medical School
Receiving a professional Second Opinion can offer you and your family reassurance and peace of mind that the course of treatment recommended and prescribed by your attending doctor is the best option.
*Please refer to the respective plan’s policy contract for total scope of Tele-Medicine Access Coverage.
YOUR QUESTION ANSWERED
1. When do I need Tele-Medicine Access
There are several situations that may warrant a Second Opinion:
- When you need the advice of another specialist
- When you face high-risk surgery
- When you have multiple medical problem
- When you have face a choice about treatment options
2. How do I make use of my Tele-Medicine Access privilege?
When you need a Second Opinion, just call WorldCare Health Malaysia at 1-800-88-WCHM/1-800-88-9246 or (60-3)27131323, and our medical partner will help you gain access to this service promptly.
